.pf-hero{
  padding: 90px 0 70px;
  background:
    radial-gradient(900px 420px at 25% 15%, rgba(212,175,55,0.18), transparent 60%),
    radial-gradient(700px 350px at 75% 60%, rgba(212,175,55,0.10), transparent 60%),
    linear-gradient(120deg, #001F54, #07142e, #001F54);
}

.pf-hero-inner{
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: 34px;
  align-items: center;
}

.pf-title{
  font-size: 44px;
  line-height: 1.1;
  margin: 0 0 14px;
}

.pf-sub{
  padding-top: 10px;
  max-width: 620px;
  margin: 0 0 22px;
  opacity: 0.92;
  line-height: 1.65;
}

.pf-card{
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.14);
  border-radius: 18px;
  padding: 26px;
  backdrop-filter: blur(10px);
}

.pf-pill{
  color: var(--gold);
  font-weight: 800;
  letter-spacing: .14em;
  font-size: 12px;
  margin: 0 0 12px;
}

.pf-text{
  padding-top: 10px;
  margin: 0 0 16px;
  opacity: 0.92;
  line-height: 1.6;
}

.pf-list{
  margin: 0;
  padding-left: 18px;
  opacity: 0.95;
}

.pf-list li{ margin: 8px 0; }

.pf-placeholder{
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
  margin-top: 26px;
}

.pf-box{
  padding: 18px;
  border-radius: 18px;
  background: rgba(10,22,51,0.03);
  border: 1px solid rgba(10,22,51,0.08);
}

.pf-box p{
  margin: 0;
  padding-top: 10px;
  opacity: 0.85;
  line-height: 1.7;
}

.pf-navy{
  background:
    radial-gradient(900px 420px at 30% 20%, rgba(212,175,55,0.10), transparent 60%),
    linear-gradient(120deg, #07142e, #0a1b3d);
}

.pf-sub-light{
  color: rgba(255,255,255,0.85);
}

.cta-navy{
  display:flex;
  align-items:center;
  justify-content: space-between;
  gap: 18px;
  padding: 18px 0;
}

.cta-navy-right{
  display:flex;
  gap: 10px;
  flex-wrap: wrap;
  justify-content:flex-end;
}

@media (max-width: 1024px){
  .pf-hero{ padding: 70px 0 50px; }
  .pf-hero-inner{ grid-template-columns: 1fr; gap: 22px; }
  .pf-placeholder{ grid-template-columns: 1fr; }
}

@media (max-width: 768px){
  .pf-title{
    font-size: clamp(28px, 4.2vw, 40px);
    line-height: 1.15;
  }
  .cta-navy{
    flex-direction: column;
    align-items: flex-start;
    gap: 14px;
  }
  .cta-navy-right{
    width: 100%;
    justify-content: flex-start;
  }
}